I did my research and was set on purchasing a 2026 Volvo XC60 Plug-In Hybrid AWD Ultra (MSRP $80,310, Fall Allowance $3,000, Sale Price $77,310). I drove 5 hours to Volvo Corvallis. Shanna was friendly, answered my questions, and had the car ready.
The dealership shares space with a rundown Nissan lot, which felt odd for a luxury brand. The test drive went fine, but I noticed swirl marks on the black door pillars like it had been through a rough automatic car wash?
Then came the finance part. My car’s KBB trade-in value was $26,000, but they only offered $22,000 and barely increased it by $500. When I pushed back, they suggested I sell it somewhere else, and started showing financial quotes with no trade in at all.
That $3,000 rebate you see online? You can’t combine it with their “special” financing. With an 850 credit score, they offer 7.5% APR. Said they could go lower only if I gave up the rebate.
They showed a finance quote with what at first glance looked like decent monthly payments, but it turned out to be based on an 84-month loan. They never listed the total financed amount anywhere on the sheet. Red flag. Do the math,,,the total loan amount came to over $104,000, including about $25,000 in interest. Please don’t fall for that scam.
An hour after I left, they called and said the “general manager” approved another $1,000 for my trade. Still a joke. I went to BMW instead, got 3.5% APR, my full $26K trade value, and a smooth, professional experience.
Tip: Always ask for the total finance amount. They will try to pull a fast one on you here.